I fear everyone's experienced that at least one way or another, heh.
I mean, I could attempt to draw your OC since I wouldn't complain supplying you funds for more than one artwork anyway, but that's up to you. xD I'm not sure if I have good examples of what my art is at right now though, and I've been procrastinating replying just because I didn't feel like searching for it.
Anything you use to create your art is a reference in a way. I mean, if I would make a moodboard just for the feel of an art piece, that'd still be a reference even if I ended up ignoring half of the images on there...

I'd consider anything with positions that help me create a drawing a reference. I just realize I can use the built-in skeleton in my 3D program for that as well, sheesh! I should've thought of that.